Reliance Home Finance Ltd

Reliance Home Finance Limited is an India-based housing finance company. The Company is engaged in the house finance business.

  • Market Cap: 65.48 Cr.
  • Current Price: 1.35
  • 52 weeks High / Low 18.80 / 0.70
  • Book Value: 30.24
  • Stock P/E:
  • Dividend Yield: 0.00 %
  • ROCE: 4.78 %
  • ROE: -22.65 %
  • Sales Growth (3Yrs): 12.82 %
  • Listed on BSE and NSE
  • Company Website
  • Face Value: 10.00
Edit ratios
Pros:
Stock is trading at 0.04 times its book value
Cons:
Company has low interest coverage ratio.
Promoter holding has decreased by -20.34% over last quarter
Company has a low return on equity of -2.83% for last 3 years.

Peer comparison Sector: Finance // Industry: Finance - Housing

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Quarterly Results Figures in Rs. Crores

Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020
383 408 407 425 404 459 514 609 533 341 433 280
98 83 88 106 52 67 77 380 82 199 217 333
Operating Profit 285 325 319 319 352 392 437 230 451 142 217 -52
OPM % 74% 80% 78% 75% 87% 85% 85% 38% 85% 42% 50% -19%
Other Income 9 19 17 15 7 5 2 2 4 2 9 1
Interest 247 266 268 280 286 294 351 391 384 313 331 308
Depreciation 0 0 0 1 1 1 0 1 1 1 1 1
Profit before tax 47 78 68 54 72 102 88 -160 70 -170 -107 -360
Tax % 28% 27% 41% 33% 33% 26% 38% 31% 31% 35% 31% 34%
Net Profit 34 57 40 36 48 75 55 -110 48 -111 -74 -238
EPS in Rs 2.87 2.27 0.84 1.16 1.00 1.55 1.16 -2.27 1.00 -2.30 -1.50 -4.91
Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes

Profit & Loss Figures in Rs. Crores

Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
65 324 339 361 429 512 815 1,114 1,683 2,000 1,600
57 261 67 65 86 90 142 235 373 575 829
Operating Profit 7 62 272 296 342 423 673 879 1,311 1,425 771
OPM % 11% 19% 80% 82% 80% 82% 83% 79% 78% 71% 48%
Other Income 0 0 0 0 1 0 0 15 0 2 2
Interest 0 0 233 254 277 317 536 749 1,062 1,323 1,337
Depreciation 0 0 0 0 0 0 1 7 2 3 4
Profit before tax 7 62 40 42 66 106 137 138 247 102 -567
Tax % 26% 34% 33% 35% 34% 35% 37% -25% 32% 34% 34%
Net Profit 5 41 26 27 43 69 87 173 167 67 -375
EPS in Rs 4.18 6.59 10.49 13.18 14.90 3.45 1.39 0.00
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 3% 29% 0% -0%
* Sales is net of excise duty and discounts
Compounded Sales Growth
10 Years:37.86%
5 Years:25.57%
3 Years:12.82%
TTM:-20.01%
Compounded Profit Growth
10 Years:%
5 Years:%
3 Years:%
TTM:-655.74%
Stock Price CAGR
10 Years:%
5 Years:%
3 Years:%
1 Year:-92.88%
Return on Equity
10 Years:4.07%
5 Years:2.12%
3 Years:-2.83%
Last Year:-22.65%

Balance Sheet Figures in Rs. Crores

Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
33 33 33 66 66 66 66 116 485 485 485
Reserves 268 310 361 355 398 468 554 983 1,339 1,357 982
Borrowings 1,539 2,194 1,887 1,940 2,377 3,640 6,548 9,670 13,136 15,699 13,235
18 29 294 593 904 1,385 525 578 447 585 1,027
Total Liabilities 1,855 2,564 2,572 2,954 3,745 5,557 7,694 11,347 15,408 18,125 15,729
1 0 0 0 0 39 44 68 264 266 262
CWIP 0 0 0 0 0 0 0 0 2 0 1
Investments 0 14 39 14 320 0 80 508 54 93 951
1,854 2,549 2,533 2,939 3,425 5,518 7,569 10,771 15,087 17,766 14,516
Total Assets 1,855 2,564 2,572 2,954 3,745 5,557 7,694 11,347 15,408 18,125 15,729

Cash Flows Figures in Rs. Crores

Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
69 -2 412 -179 433 -3,296 -3,507 -1,189 4,713
-53 23 -282 293 -72 -355 496 -55 -856
25 -0 0 0 0 3,227 2,818 1,291 -3,927
Net Cash Flow 41 21 130 114 362 -425 -194 47 -70

Ratios Figures in Rs. Crores

Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
ROCE % 3% 11% 13% 13% 12% 12% 10% 10% 9% 5%
Debtor Days 2 1 0 0 0 0 0 0 0 0 0
Inventory Turnover